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Yes, you can open another S&S ISA and pay new money into it - the basic rule is that you can only pay new (current tax year) money into one ISA of each type, so, as you haven't paid any 2017/18 contributions into a S&S ISA, then you're free to open another one and do so.

On a related note, I've opened a Halifax flexible cash ISA this year in order to transfer funds from a maturing Santander cash ISA. I've not put any "new" money into the Halifax ISA. Does that mean I am free to open another cash ISA this year, for this year's ISA contributions? Thanks

On a related note, I've opened a Halifax flexible cash ISA this year in order to transfer funds from a maturing Santander cash ISA. I've not put any "new" money into the Halifax ISA. Does that mean I am free to open another cash ISA this year, for this year's ISA contributions? Thanks

Yes, I've used the Halifax transfer process to move the funds, they did it very quickly. The reason I chose a flexible ISA is so that I can withdraw to higher-rate savings accounts, but I'll make sure I have the funds transferred back before the new tax year next year.

I was unsure whether I'd be making any 2017/2018 ISA contributions, but Ford's new regular saver ISA at 4% is looking like a good place for a couple thousand of new money at least.

To be fair it was only posted there less than two hours before my post, and nobody (other than your good self!) has referred to it from the ISA board - someone's going to need to tell Kazza242 of a rare new regular saver ISA....

To be fair it was only posted there less than two hours before my post, and nobody (other than your good self!) has referred to it from the ISA board - someone's going to need to tell Kazza242 of a rare new regular saver ISA....

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